host: michigan, curtis on our democrats line. caller: ok, i'm from michigan. i am a disabled veteran. i got shot up in vietnam. and i'm struggling with the housing market, too. and i'm water. i'm on the water and when they gave me this loan, bank of america took 80% and put 20 with gmac. charge me 11.5% and bank of america isharging me 6.7%. and i'm having problem problems. can't get refinanced. and until president obama or whoever does something about the housing, that's going to be a problem. people cannot afford their notes. and they won't give us a modification or help. i've [inaudible] now he said he's got to help me but i've got to give him $1,000. and i'm scared it's a fraud. i can't afford to give him the down payment. he said he can help me but i've got to give him $1,000. now why? guest: now, i don't know who it is that you're talking to. i should say it sounds like something you should look into before you spend your money. but you're certainly right that loan modification programs are a big topic of conversation because the mortgage issue still a b